The off topic thread 6.0

[chef]

There is the problem. I remember when they first came into the market Mum tried to get a quote with them, except they don't do a quote, you actually have to take out the policy and then jump through hoops to cancel if it is more than your existing. Any business that is not upfront like that I would never deal with. I had a not at fault claim via AAMI which went smooth, I always flip flop between them and RAC(X), whoever is cheaper. Wouldn't trust Youi or some of these other white label insurers as far as I could spit.

I'm the same, happy to pay bit extra for RAVC as they are so easy and fair to deal with. 4 claims, no issues.

 

[Bojan KantKick]

Insurance profits are up 79% recently, their price hikes are way above inflation.

a terrific investment

 

[Zidane98]

a terrific investment

I can only imagine their Christmas parties.

 

[TheGreatBarryB]

I remember years my quite old corona got stolen in the city and was found nearby but they had reversed the back into the tree. Only minor damage but insurance wrote it off and gave me $3k when I would’ve been lucky to sell it for half that. Really would’ve liked to thank the thief

 

[Loonerty]

It was OK, not fantastic but not awful. Bit time consuming. Had to chase the assessor for a few days before getting a call back.

He could reasonably justify the price he gave.

Also, YOUI are outrageously expensive, not sure how anyone is with him.

Youi became by far the cheapest for me when I moved to Canberra.

 

[Cruyff14]

Youi became by far the cheapest for me when I moved to Canberra.

When we renewed last year (and when we got the new car), I reckon they were about $300ish at least more than anyone else.

RACV have been great, and my car is with Budget.

 

[Loonerty]

When we renewed last year (and when we got the new car), I reckon they were about $300ish at least more than anyone else.

RACV have been great, and my car is with Budget.

Oh, Youi were way more expensive than anyone when I was still in Wollongong so I was as surprised as anyone when they turned out to be the cheapest option.

Maybe location plays a big role for them.

 

[Cruyff14]

Yeah could be.

I just went cheapest option which was Budget.

It's mental how car insurance goes up each year yet the value of cars goes down each year.

 

[Jatz]

Youi became by far the cheapest for me when I moved to Canberra.

Commiserations mate.

 

[Jatz]

Yeah could be.

I just went cheapest option which was Budget.

It's mental how car insurance goes up each year yet the value of cars goes down each year.

Yeah this has always shit me. I've never stayed with the same insurer twice for that very reason.

 

[moomba]

I've got 4 speeding fines in the last 2 months so I'm ****ed.

Told Mrs moomba to take me off her insurance. Not sure what I'll do with mine.

 

[Jatz]

I've got 4 speeding fines in the last 2 months so I'm ****ed.

Told Mrs moomba to take me off her insurance. Not sure what I'll do with mine.

Interestingly not all insurers in NSW ask about that. They check if you've lost your license but not how many fines you've had. Some do but it did surprise me a little bit.

 

[moomba]

Interestingly not all insurers in NSW ask about that. They check if you've lost your license but not how many fines you've had. Some do but it did surprise me a little bit.

Wish it was the same here.

I've got 10 points on my licence with another 3 heading my way.

12 points is a suspension so I might have some interesting discussions ahead.

Consider myself a pretty safe driver too. 1 accident (not my fault) in nearly 40 years.

 

[Zidane98]

Interestingly not all insurers in NSW ask about that. They check if you've lost your license but not how many fines you've had. Some do but it did surprise me a little bit.

In the scheme of things a few fines here and there isn't going to change the risk profile. Obviously a loss of license does change that risk profile and in that case there will be a significant premium bump.


The way the system is designed is the majority who drive regularly gets done at some stage, even if inadvertently for 5 kays over the limit.

 

[Zidane98]

Wish it was the same here.

I've got 10 points on my licence with another 3 heading my way.

12 points is a suspension so I might have some interesting discussions ahead.

Consider myself a pretty safe driver too. 1 accident (not my fault) in nearly 40 years.

Is it easy to offload fines over there? Surely Mrs Moomba could do a deal where she takes the fine in exchange for you wearing a Utd jersey around the house for a week or so.

 

[moomba]

In the scheme of things a few fines here and there isn't going to change the risk profile. Obviously a loss of license does change that risk profile and in that case there will be a significant premium bump.


The way the system is designed is the majority who drive regularly gets done at some stage, even if inadvertently for 5 kays over the limit.

Different in the UK. One offence adds loads to the rate.

It's more about profit than risk.

 

[moomba]

Is it easy to offload fines over there? Surely Mrs Moomba could do a deal where she takes the fine in exchange for you wearing a Utd jersey around the house for a week or so.

I figure I got myself into it. It's up to me to get myself out of it.

Anyway, I've got beef with the Mrs for telling me to drive the limit, shes a horrible back seat driver. So I can't really ask her to take the fall for me.

Got good cameras over here now that apparently make it pretty clear who is driving. Not that long ago some politicians wife got put in jail for claiming a speeding offence her husband was responsible for.

 

[Zidane98]

I figure I got myself into it. It's up to me to get myself out of it.

Anyway, I've got beef with the Mrs for telling me to drive the limit, shes a horrible back seat driver. So I can't really ask her to take the fall for me.

Got good cameras over here now that apparently make it pretty clear who is driving. Not that long ago some politicians wife got put in jail for claiming a speeding offence her husband was responsible for.

Haha. The amount of times I've helped out family with this, also work where if a driver isn't nominated for a fine on work vehicle company is liable for a $3500 fine. Usually it is the boss who's the actual guilty party with 11 points on their license. I can neither confirm or deny if I received compo for doing as such...

Ironically if the $3500 company car fine is paid without nominating anyone the points for the infraction aren't assigned to anybody.

 

[Loonerty]

Commiserations mate.

What for? Canberra's a great place to live.

 

[Frank Bunn]

Got good cameras over here now that apparently make it pretty clear who is driving. Not that long ago some politicians wife got put in jail for claiming a speeding offence her husband was responsible for.

They would have got away with it but when the guy told his wife he was leaving her she started blabbing to the press about the incident. They both got 8 month jail sentences.